US bank account (ACH)
A US bank account payment (ACH) suits bigger bills. It is off until an owner switches it on, and the owner chooses the largest amount it may be used for.
- Who turns it on
- An owner, on the Payment methods table of the Payments page
- Default
- Off
- Largest amount
- Set by the owner: from $1 up to $25,000 (default $1,000)
- Time to clear
- About 4 business days
- Where
- Pay links, QR codes, booking deposits and online gift cards
- Stripe’s fee
- Listed on Stripe’s pricing page
Where Customers Can Use US bank account (ACH)
Every place a customer pays through NextUp Walk-in, and whether US bank account (ACH) is there.
- Pay link and QR codeShown on Stripe’s secure page for a pay link or QR code, for payments up to your largest amount. Yes
- Booking depositShown on a booking deposit only when the visit is at least a week away, so the payment can clear first. Yes
- Online gift cardShown when a customer buys an online gift card, up to your largest amount. Yes
- The NextUp appNot offered in the NextUp app’s payment sheet. No
- Card reader (S700, M2)Not offered on a card reader; a bank payment is online only. No
- Tap to Pay on AndroidNot offered with Tap to Pay on Android; a bank payment is online only. No
Booking deposits and selling gift cards are Pro features. Every other place is on every plan.
How a Customer Pays
- Open the billThe customer opens a pay link, a QR code, a booking deposit or the gift card page on their phone.
- Choose their bank accountStripe’s secure page lists US bank account beside the card and any other method you have on.
- Connect and confirmThey link their bank account on Stripe’s page and approve the payment.
- The bill shows processingThe bill reads “payment processing” and is not paid until the bank confirms, about 4 business days later.
What You Do
- Open the Payments page in the dashboard and find the Payment methods table.
- Switch US bank account (ACH) on, and set the largest amount it may be used for.
- It is an owner setting. If Stripe hasn’t approved it for your account, your pay pages stay without it; the screen shows where it stands.
Good to Know
- A bank payment can come back days later, so the default largest amount is modest. Raise it only when you are comfortable.
- It isn’t offered on a deposit for a visit less than a week away, because the payment would not clear in time.
- It isn’t offered on a friend’s share of a split bill, which is held for only minutes.
- It is for US bank accounts, in US dollars, for payments of $1 or more.
Questions About US bank account (ACH)
How long does a bank payment take?
About 4 business days. The bill shows “payment processing” until the bank confirms, and it is not marked paid before then.
Who chooses the largest amount?
The owner, in the Payment methods table. It can be anywhere from $1 to $25,000, and it starts at $1,000.
Why isn’t a bank payment offered on every deposit?
A deposit holds a booking. A bank payment is offered on one only when the visit is at least a week away, so it can clear first.
Can friends pay their shares of a split bill by bank?
No. A friend’s share is held for only minutes, and a bank payment takes days, so it isn’t offered there.
What does it cost?
Stripe charges its own fee for bank payments, listed on Stripe’s pricing page. NextUp Walk-in works out its fee on a bank payment the same way as on a card payment.
Where does the money go?
Payments are processed by Stripe on your own Stripe account; NextUp Walk-in never holds your money.
Payments are processed by Stripe on your own Stripe account; NextUp Walk-in never holds your money. NextUp Walk-in’s card fee is 0.5% of card payments, never on tips, at most $1 a payment, on top of Stripe’s processing fee.